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San Pablo Creek in Jacksonville

San Pablo Creek
Homes for Sale in Jacksonville, FL

Community in Jacksonville · Duval County · ZIP 32224
276 homesBuilt 1993–2000Median sale $400K
Free · No obligation
Talk to a San Pablo Creek Expert

True comps, carrying-cost math, and listings before the portals.

Live Market Pulse
50/100
Market Heat
Normal for San Pablo Creek
2013 → 2026 · 87 at the 2022 peak
0 is San Pablo Creek's coldest market since 2013, 100 its hottest. Today: 50. How it's scored
Built fromLive realMLS data25 years of closingsFL DOR public recordsUpdated twice daily
Live · San Pablo Creek Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Price
$400K ▼
Median sold · 12 mo
down 8.0% vs the prior 12 months
-8.0% ▼
1-yr price change
n = 7 and 19 sales in the two windows
$261/sf
Sold $/sqft · 12 mo
peak $272 in 2025
100.0%
Sale vs ask
+133%
T12M median vs 2012
from a $172K median in 2012
Tempo
1.3mo
Supply
3 to 6 months is the balanced band
4days
Median DOM · closed
4 days at the 2026 low
50%
Under contract
Duval: 30% (1,188 of 4,002)
1 · 1
For sale · pending
live counts, refreshed twice daily
7
Sold · last 12 mo
10-yr average: about 14 a year
Ownership and context
74%
Owner-occupied · San Pablo Creek
203 of 276 parcels homesteaded (FL DOR 2025)
26%
Non-owner-occupied · San Pablo Creek
incl. 10% trust or LLC-held · 6% out-of-state
12%
Cash buyers · San Pablo Creek
2 of 16 sales, 12 mo ending July 2025
276
Homes in the community
276 residential parcels (FL DOR 2025)
Track record · 25 years of records
Est. 1993
Community established
homes built 1993-2000, median 1997 (FL DOR 2025)
3
Failed listings · 2026
peaked at 14 in 2008
1,684sqft
Median sold home size
12-mo windows, closed sales
2.5%/yr
Turnover rate
about 7 of 276 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

San Pablo Creek's pricing comes down to a tight, uniform housing stock: 276 homes built between 1993 and 2000 (median year built 1997), with a median living area of roughly 1,865 square feet. That combination puts the median sale at $400,000, or $260.78 per square foot — a straightforward, size-driven number rather than one padded by outliers, since there is only one active listing to compare it against.

The current posture is seller-leaning: 1.3 months of supply and a median of just four days on market say a listed home here moves fast. That said, the year-over-year read is down 8%, so sellers pricing off last year's peak should expect some give-back even as the long-run trend — up 133% since 2012 — stays firmly in their favor.

San Pablo Creek Housing Pulse · Momentum Research · as of July 14, 2026

San Pablo Creek right now

🟡 Balanced market. 1.3 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of July 14, 2026. Confidence: Medium (2 active and pending listings, 7 closed sales in 12 months).

🔴 Off the recent peak. The trailing-12-month median ($400K) is down 8.0% from the prior 12 months ($435K) and up 133% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 14. Confidence: Medium (7 and 19 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

Updated July 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

San Pablo Creek market snapshot (as of July 14, 2026): the median sale price is about $400K ($261 per sq ft over the trailing 12 months of closed sales), a median 4 days on market for closed sales, and 1.3 months of supply, a balanced market. The trailing-12-month median is down 8% from the prior 12 months and up 133% since 2012, computed from record-level realMLS closed sales (7 closings in the current window).

San Pablo Creek is a community of 276 homes in Jacksonville, Duval County, built between 1993 and 2000 (median 1997.0), with a median living area of about 1,866 square feet. 74% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

San Pablo Creek is a small, single-decade-built pocket in Jacksonville's Duval County — 276 homes from the 1990s that trade quickly when they list, with almost nothing sitting on the market at any given time.

Quick Match

Who San Pablo Creek is best for.

Best for

  • Buyers targeting a specific size and price point (around 1,865 square feet, near $400,000) who don't need multiple listings to compare.
  • Buyers comfortable moving quickly on an offer, given a median time on market of just four days.
  • Buyers or sellers with a multi-year horizon, given the community's 133% price growth since 2012.

Probably not for

  • Buyers who want to shop several active listings before committing — inventory here is typically one home or less.
  • Sellers expecting to price at last year's peak — the year-over-year figure is down 8%.
  • Buyers seeking a newly built home — the housing stock here dates to 1993-2000.
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Market Pulse

How San Pablo Creek is performing right now

71/100
momentum
Seller's Market (limited data)
Seller's marketBalancedBuyer's market
1.7Months of supplytight
2Median days on marketdays
2 : 1Under contract vs for salestrong demand
7Sold in last 12 monthsliquidity
+31%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from realMLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current San Pablo Creek listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in San Pablo Creek buys, holds, and resells. See the five factors.

Homes For Sale Right Now in San Pablo Creek

Live MLS inventory for San Pablo Creek. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

2056 Merced Court home for sale in San Pablo CreekActive · 2 daysTop listing
$535,000
3 bd · 2 ba · 1,572 sqft · built 1993
2056 Merced Court, Jacksonville, 32224
RenovatedBest valuePool
Listed by KELLER WILLIAMS ST JOHNS
13474 Las Brisas Way home for sale in San Pablo CreekPending · 14 days
$412,000
3 bd · 2 ba · 1,338 sqft · built 1999
13474 Las Brisas Way, Jacksonville, 32224
RenovatedBest value
Listed by COLDWELL BANKER VANGUARD REALTY
2020 Merced Court home for sale in San Pablo CreekPending · 39 days
$389,000
3 bd · 2 ba · 1,557 sqft · built 1993
2020 Merced Court, Jacksonville, 32224
Reno opportunityBest value
Listed by FORD REAL ESTATE CAPITAL LLC

Active and pending San Pablo Creek listings as of 2026-06-25, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.

Interactive Map

San Pablo Creek on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from San Pablo Creek. They are approximate and vary with traffic and your exact start point.

Atlantic & Neptune Beaches~10 to 15 min · east via Atlantic Blvd
St. Johns Town Center~10 min · south via Kernan or JT Butler
Mayo Clinic Jacksonville~10 to 15 min · via San Pablo Rd
University of North Florida~10 min · south via Kernan Blvd
Interstate 295~5 to 10 min · via Beach or Atlantic Blvd
Downtown Jacksonville~20 to 25 min · west via Atlantic Blvd or JT Butler
Jacksonville Int'l Airport (JAX)~30 to 35 min · north via I-295

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near San Pablo Creek Homes for Sale in Jacksonville, FL with Momentum Realty’s local guides.

Terra Costa Homes for Sale in Jacksonville, FLTerra Costa Homes for Sale in Jacksonville, FLJacksonville, FL · 0.1 miHeron's Landing Homes for Sale in Jacksonville, FLHeron's Landing Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 miWolf Creek Homes for Sale in Jacksonville, FLWolf Creek Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 miOak Landing Homes for Sale in Intracoastal West, FLOak Landing Homes for Sale in Intracoastal West, FLIntracoastal West, FL · 0.3 miIbis Point Homes for Sale in Jacksonville, FLIbis Point Homes for Sale in Jacksonville, FLJacksonville, FL · 0.4 miMira Vista at Harbortown Homes for Sale in Jacksonville, FLMira Vista at Harbortown Homes for Sale in Jacksonville, FLJacksonville, FL · 0.5 miCovenant Cove Homes for Sale in Jacksonville, FLCovenant Cove Homes for Sale in Jacksonville, FLJacksonville, FL · 0.6 miPablo Bay Homes for Sale in Jacksonville, FLPablo Bay Homes for Sale in Jacksonville, FLJacksonville, FL · 0.6 miPablo Cove Homes for Sale in Jacksonville, FLPablo Cove Homes for Sale in Jacksonville, FLJacksonville, FL · 0.8 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
San Pablo Creek (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Duval County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

San Pablo Creek is served by Duval County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any San Pablo Creek address.

The takeaway

What actually affects San Pablo Creek owners, sourced and dated. We do not publish rumor.

Recent Developments in San Pablo Creek

Development Intelligence

Our read on what is being built around San Pablo Creek, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThis is a built-out, established community, so the near-term factors are the durable Intracoastal West demand near the beaches, the HOA budget, and the Duval County millage on the tax bill, rather than any new construction in the community.

Sought-after Intracoastal West (32224) location

BullishAn established community minutes from the beaches, the Town Center, Mayo, and UNF supports durable demand and resale in a consistently popular 32224 location. impact
SignificanceRadius: Intracoastal West (32224)

Sought-after Intracoastal West (32224) location

Duval County millage and tax-bill assessments

NeutralProperty taxes here follow the Duval County (City of Jacksonville) millage; a recent sale can reset the assessed value, so read the actual bill for the parcel. impact
SignificanceRadius: Jacksonville / Duval County

Duval County millage and tax-bill assessments

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting San Pablo Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. 2024
    Taxes

    Duval County millage and property assessments

    Property taxes in Jacksonville are set by the Duval County (City of Jacksonville) millage and any non-ad-valorem line items, published by the Duval County Property Appraiser. Why it matters: Pull the actual parcel's tax bill and homestead status before you budget, confirm the San Pablo Creek HOA dues, and on a late-1990s home get an insurance quote that reflects roof age. Source

Development alerts for San Pablo CreekGet a short monthly email when something new is approved, funded, or opens near San Pablo Creek.

A monthly email from Momentum Realty. Unsubscribe anytime. See our privacy and disclosures.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The San Pablo Creek buying strategy.

If we were buying in San Pablo Creek, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA dues and what they cover. Verify the current HOA figure, the inclusions, the reserve position, and any planned special assessments.

2

Inspect the systems and roof. On late-1990s homes, the roof age, HVAC, and systems drive the renovation budget and the insurance quote; inspect before you commit.

3

Confirm the lot type. Verify whether the home backs to a lake or sits interior, since the lake view drives the premium.

4

Read the actual Duval tax bill. Confirm the millage, homestead status, and any assessments for the parcel (Duval County Property Appraiser, 2024).

5

Confirm the exact school zoning. Verify the assigned Duval County Public Schools for the specific address with the district.

The Quick Decision
Best Buy
A well-kept lake-lot home with a newer roof and updated systems and the HOA dues confirmed, in a condition you have inspected.
Biggest Risk
Deferred maintenance on late-1990s homes and insurance cost tied to roof age.
Best Lot
Lake-backed and cul-de-sac lots carry the premium; standard interior lots are the value.
Smart Timing
San Pablo Creek is an established, built-out community; pricing tracks condition and the specific lot more than any community-wide trend.
Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

San Pablo Creek is an established single-family community in Jacksonville, Duval County, in the Intracoastal West area in the 32224 ZIP, off San Pablo Road between Beach and Atlantic Boulevards (Frankel Realty Group, 2026). Homes were built largely between 1993 and 2000, predominantly three-bedroom plans from about 1,337 to 2,242 square feet (averaging near 1,683), with brick accents, lakes, and cul-de-sac streets, minutes from the beaches, the St. Johns Town Center, Mayo Clinic, and UNF. As an established late-1990s community, the central buyer questions are parcel-level: condition and systems on the specific home, the lot (lake versus interior), the HOA dues, and the Duval County tax bill.

San Pablo Creek Homes For Sale

What your money buys in San Pablo Creek.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in San Pablo Creek today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: original-condition interior homes
$376K to $400K

Original-condition interior-lot homes needing updates, the value end of San Pablo Creek. Inspect the roof and systems, confirm the HOA, and price the renovation before you write.

Lowest entry
Mid: updated homes on good lots
$400K to $440K

Updated three-bedroom homes on solid lots, the core of the community. Condition, lot, and updates separate these more than floor plan does.

Most inventory
High: larger or lake-backed homes
$440K to $490K

Larger homes or those backing to a lake set the community's ceiling. Size and the water view drive the premium; price each on its lot and condition.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings
What Your Money Buys

What ~$400K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$376K to $400K
Entry: original-condition interior homes
Original-condition interior-lot homes needing updates, the value end of San Pablo Creek. Inspect the roof and systems, confirm the HOA, and price the renovation before you write.
$400K to $440K
Mid: updated homes on good lots
Updated three-bedroom homes on solid lots, the core of the community. Condition, lot, and updates separate these more than floor plan does.
$440K to $490K
High: larger or lake-backed homes
Larger homes or those backing to a lake set the community's ceiling. Size and the water view drive the premium; price each on its lot and condition.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in San Pablo Creek, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Proprietary Data

The renovation premium.

Updated homes ask about 30% more per square foot than original-condition homes, and they tend to sell faster. In an all-resale market, condition is the single biggest swing in value, which is why reading the renovation math is the whole game.

Asking price per square foot
Renovated$324
Original$250
Median days on market
Renovated8
Original39

From current San Pablo Creek listings (renovated 2, original 1); condition inferred from listing descriptions, asking not closed figures. The exact number depends on a specific home's updates, lot, and view, which is the read we do before you offer.

Jon Brooks, Momentum Realty
Operator Note

The trap here is a beautifully staged original-condition home. Staging is cheap; a roof, HVAC, and a full modernization are not. We price the real renovation before you fall for the listing photos, because in an all-resale market that number is the difference between a deal and the most expensive house on the street.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well San Pablo Creek holds value.

Our read on the factors that protect resale here, and the one to manage.

No CDD on the tax billStrong
Central Intracoastal West locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in San Pablo Creek

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

San Pablo Creek1

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

San Pablo Creek2

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

San Pablo Creek3

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

San Pablo Creek4

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

San Pablo Creek5

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

San Pablo Creek sells established single-family living in the Intracoastal West minutes from the beaches and the Town Center. The location is the value; the work is condition, the lake-versus-interior lot, the HOA dues, and the Duval tax bill, not the brochure.

Jon Brooks · Founder, Momentum Realty
Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.4B+ · Buy Score
Resale Strength7.6/10
Renovation Risk6.4/10
Location Efficiency8.2/10
Long-Term Defensibility7.2/10
Carrying Cost Advantage7.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on San Pablo Creek is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.
About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take
  • Lake-backed and cul-de-sac lots carry the premium here.
  • Standard interior lots are the value play.
  • Condition and the lot matter more than headline price; comp like-for-like.

In San Pablo Creek, the lot and condition drive price more than floor plan, because the homes are similar late-1990s designs. Lake-backed and cul-de-sac lots carry a premium, while standard interior lots are the value play for buyers planning updates. Because the homes are late-1990s stock, the roof age and systems and the resulting insurance cost move the true all-in cost, so inspect first, confirm the HOA, and comp a home against the closest same-condition Intracoastal West sale.

The 15-Second Verdict

San Pablo Creek in 15 seconds.

Best forBuyers who want an established single-family home in the Intracoastal West minutes from the beaches, with a lake or cul-de-sac lot.
Strong onA sought-after 32224 location near the beaches, the Town Center, Mayo, and UNF, with lakes and cul-de-sac streets.
WatchDeferred maintenance on late-1990s homes and insurance cost tied to roof age; inspect before you commit.
Not forBuyers who want new construction, oceanfront, or an estate-tier home.
The edgeAn established Intracoastal West address minutes from the beaches and the Town Center at a mid-tier price.

HOA, CDD & Fees

15-Second Take
  • There is an HOA; confirm the dues and what they cover.
  • Lake-backed lots carry the premium; price the lot type.
  • Budget the Duval tax bill and an insurance quote tied to roof age.

San Pablo Creek is an HOA community, so dues apply and typically fund the common areas, the lakes and entrance, and any shared landscaping. Confirm the current dues, what they cover, the reserve position, and any planned special assessments with the association before you rely on them.

HOA dues fund the common areas, the lakes and entrance, and shared landscaping; confirm the current inclusions and reserves with the association.

There is no golf or private club; this is a residential single-family HOA community. The lakes, the cul-de-sac streets, and the Intracoastal West location near the beaches are the draw.

Run Your Numbers

Tools for a San Pablo Creek buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxDuval County millage and the homestead picture.Rent vs buyThe breakeven on owning in San Pablo Creek.Save Our HomesProject your homestead tax cap over time.
The takeaway

Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in San Pablo Creek

Thinking of selling in San Pablo Creek?

Your buyer is cross-shopping established Intracoastal West communities near the beaches. Sell what is specific: the lake or interior lot, the home's updates and roof age, the HOA dues, and the location minutes from the beaches and the Town Center.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In San Pablo Creek, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Windsor Parke, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your San Pablo Creek home worth?

Get a no-obligation home value based on real comparable sales in San Pablo Creek matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in San Pablo Creek on the map →

Real comps, not an automated estimate.
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Windows contain 6 to 24 sales each (7 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo
$200K$400K20122014201620182020202220242026
Down 8.0% year over year; up 133% since 2012.
Every sale since 2001 · price vs size
$0$200K$400K2k2k2k
309 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$100$20020122014201620182020202220242026
Up from $92 in 2012 to a $272 peak in 2025; $261 now.
Median days on market · closed sales
020406020122014201620182020202220242026
4 days at the 2026 low; 4 now.
Sale price vs original ask · median
95%98%100%102%20122014201620182020202220242026
100.0% now.
Homes sold per 12-mo window
0102020122014201620182020202220242026
6 to 24 a year; 7 in the current window.
Sellers who gave up · failed listings per year
0510152004200820122016202020242026
Canceled, expired, or withdrawn. 14 quit in 2008; 3 so far in 2026. The clearest stress gauge a community has.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2014201620182020202220242026
87 at the 2022 peak, 28 in the troughs, 50 now. Same score as the hero card, full history.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Duval County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,614/mo
Duval County typical true cost to own
$110/mo
Duval County typical home insurance
Check CDD
Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Duval County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

How much local inventory is already under contract

44% of homes for sale in ZIP 32224 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-18).

San Pablo Creek Market Scorecard

Seller's market

San Pablo Creek is currently a seller's market. About 3.4 months of supply, a median asking price of $470,000, and homes go under contract in about 7 days.

3.4
Months supply
$470,000
Median list
$400,000
Median sold
$321
Per sqft
7
Days on mkt
2/2/7
Active/Pend/Sold

Typical home value in the 32224 ZIP is $459,079, about 13.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Homes For Sale Right Now in San Pablo Creek

Live MLS inventory for San Pablo Creek. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

2056 MERCED Court home for sale in San Pablo CreekActive · 21 daysTop listing
$535,000
3 bd · 2 ba · 1,572 sqft · built 1993
2056 MERCED Court, Jacksonville, 32224
Listed by KELLER WILLIAMS ST JOHNS
13486 LAS BRISAS Way home for sale in San Pablo CreekPending · 13 days
$405,000
3 bd · 2 ba · 1,342 sqft · built 1998
13486 LAS BRISAS Way, Jacksonville, 32224
Listed by MOMENTUM REALTY

Active and pending San Pablo Creek listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Interactive Map

San Pablo Creek on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.

Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.

Community & Amenities

Life at San Pablo Creek

  • Management - Off Site · reported on 1 of 4 listings

Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

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San Pablo Creek Market Scorecard

Seller's market

San Pablo Creek is currently a seller's market. About 3.4 months of supply, a median asking price of $470,000, and homes go under contract in about 7 days.

3.4
Months supply
$470,000
Median list
$400,000
Median sold
$321
Per sqft
7
Days on mkt
2/2/7
Active/Pend/Sold

Typical home value in the 32224 ZIP is $459,079, about 13.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

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The Strategy

The San Pablo Creek buying strategy.

If we were buying in San Pablo Creek today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in San Pablo Creek.

The Quick Decision
Best Buy
Buyers who want an established, similarly-built home in a small, low-turnover Duval County community and can move fast when something lists.
Biggest Risk
With only one active listing and 1.3 months of supply, buyers have very little selection to choose from at any given time.
Sweet Spot
Move-in-ready homes near the median 1,865 square feet, priced close to the community's $400,000 median.
Avoid If
You need to compare several active listings side by side before deciding — this community rarely offers more than one at a time.
The Deep Dive

A tight supply of 1990s-built homes

With only 276 homes total and a single active listing as of July 14, 2026, San Pablo Creek is a small enough community that a single sale can move the numbers. Homes here were built in a compact window, 1993 to 2000, with a median year built of 1997 and a median living area of roughly 1,865 square feet — so buyers are largely comparing homes of a similar age and footprint rather than a mix of eras.

About 73.6% of homes here carry a homestead exemption, pointing to a stock that is mostly owner-occupied rather than investor- or rental-heavy. Reported HOA amenities are limited to off-site management; buyers should verify current amenities and access directly with the HOA before assuming anything more.

“

The location and the amenities are priced into every listing in San Pablo Creek. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the factors that decide how a home in San Pablo Creek buys, holds, and resells. Momentum Research; not an appraisal.

7.7B+ · Buy Score
Long-Term Appreciation8.3/10
Recent Direction4.0/10
Liquidity & Demand8.7/10
Owner Commitment7.4/10
Pricing Power10.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (7.7). Basis: Long-Term Appreciation +133% since 2012; Recent Direction -8.0% year-over-year; Liquidity & Demand 1.3 months of supply; Owner Commitment 74% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.

Why Momentum

Why work with Momentum here

In a community this small — 276 homes and typically one or zero active listings — pricing a home correctly and reacting fast matter more than usual. Momentum tracks San Pablo Creek's closings as they happen through the realmls feed, so sellers get a same-week read on where a listing should land and buyers get a call the moment something new comes up, rather than finding out after it's under contract in four days.

The 15-Second Verdict

San Pablo Creek in 15 seconds.

Best forBuyers who want an established, similarly-built home in a small, low-turnover Duval County community and can move fast when something lists.
Biggest advantageA tight, consistent housing stock — homes built 1993-2000 with comparable square footage — makes pricing and comparisons more predictable than in mixed-era communities.
Biggest riskWith only one active listing and 1.3 months of supply, buyers have very little selection to choose from at any given time.
Sweet spotMove-in-ready homes near the median 1,865 square feet, priced close to the community's $400,000 median.
Avoid ifYou need to compare several active listings side by side before deciding — this community rarely offers more than one at a time.

HOA, CDD & Fees

In short
  • Mandatory HOA — confirm current dues
  • Any club/amenity membership is billed separately

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

Run Your Numbers

Tools for a San Pablo Creek buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxDuval County millage and the homestead picture.Rent vs buyThe breakeven on owning in San Pablo Creek.Save Our HomesProject your homestead tax cap over time.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed San Pablo Creek sales matched to your home.

Selling in San Pablo Creek

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in San Pablo Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.

What is your San Pablo Creek home worth?

Get a no-obligation home value based on real comparable sales in San Pablo Creek, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in San Pablo Creek on the map →

Real comps, not an automated estimate.

Frequently Asked Questions

What is the median home price in San Pablo Creek?
The median sale price in San Pablo Creek was $400K over the 12 months ending July 14, 2026 (7 closed sales, realMLS).
How long do homes in San Pablo Creek take to sell?
Homes that closed in the 12 months ending July 14, 2026 took a median 4 days on market (7 sales, realMLS).
Is San Pablo Creek a buyer's or seller's market right now?
As of July 14, 2026, San Pablo Creek is roughly balanced: 1.3 months of supply at the current sales pace (realMLS live counts).
How many homes are in San Pablo Creek?
The Florida DOR 2025 assessment roll shows 276 homes in San Pablo Creek (public records).
What share of San Pablo Creek is owner-occupied?
74% of San Pablo Creek parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in San Pablo Creek built?
Homes in San Pablo Creek were built between 1993 and 2000, with a median year built of 1997.0 (FL DOR 2025 roll).
Do cash buyers compete in San Pablo Creek?
Cash buyers took 12% of San Pablo Creek sales in the 12 months ending July 2025 (2 of 16 closings, realMLS).
Have San Pablo Creek home prices gone up?
The trailing-12-month median is up 133% since 2012, from $172K to $400K (realMLS closed records).
Who is the best real estate agent for San Pablo Creek?
The best agent for San Pablo Creek is one who actively works Jacksonville and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for San Pablo Creek.
How do I find a top Jacksonville real estate agent who knows San Pablo Creek?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows San Pablo Creek and the wider Jacksonville area.
Can Momentum Realty connect me with an agent for San Pablo Creek?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your San Pablo Creek purchase or sale - no call center and no pressure.
The Verdict

Should you buy in San Pablo Creek?

An honest fit check. We will tell you when it is not your community.

Buyers targeting a specific size and price point (around 1,865 square feet, near $400,000) who don't need multiple listings to compare.Excellent fit
Buyers comfortable moving quickly on an offer, given a median time on market of just four days.Excellent fit
Buyers or sellers with a multi-year horizon, given the community's 133% price growth since 2012.Excellent fit
Buyers who want to shop several active listings before committing — inventory here is typically one home or less.Probably not
Sellers expecting to price at last year's peak — the year-over-year figure is down 8%.Probably not
Buyers seeking a newly built home — the housing stock here dates to 1993-2000.Probably not

Nearby Communities

Explore more neighborhoods near San Pablo Creek with Momentum Realty’s local guides.

Browse all Florida neighborhood guides →

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: July 14, 2026)
Community market statsrealMLS closed sales, 12-month windows ending July 14, 2026
Housing stock & ownershipFlorida DOR 2025 assessment roll (street-list match (10 streets, ZIP 32224/32246/32250))
Under-contract sharesrealMLS records, as of 2026-07-12
Historical depthClosed-sale records back to 2001 (309 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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